There are a number of companies trying to solve the underbanked and unbanked problem. All are building applications on legacy systems, which is why the majority of these ventures fail. We believe that in order to solve this and disrupt the incumbents you need to build new infrastructure or rails. Which is why our company are building DéMars, a fully distributed, mobile phone "banking as a service platform". We have solved a number of the speed, scalability and liquidity issues plaguing blockchain technology, by focussing on reducing the messaging overhead (data) within the network and localising the consensus. We're building this network to foster financial inclusion, specifically in developing regions like Sub-Saharan Africa, which is where our project is based. Note the network design is US patent pending.